How much do SBA lenders typically lend to a sewing, needlework, and piece goods stores business?

The median SBA approval in NAICS 451130 is $68,400, with the middle 80% of loans between $10,000 and $460,000. Across all industries the median is $180,000.

Which lenders are most active in sewing, needlework, and piece goods stores?

By dollars approved: Wells Fargo Bank, Cross River Bank, U.S. Bank, Commonwealth Business Bank, Village Bank and Trust. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.

Is sewing, needlework, and piece goods stores considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.3% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 451130 · Retail

SBA loans for sewing, needlework, and piece goods stores

418 SBA loans worth $80.6M have been approved in this industry since FY2010 - the #366 most-financed NAICS code in the country.

Median loan

$68,400

-62% vs all industries

Typical range

$10K-$460K

Middle 80%

Median rate

6.25%

7(a) initial note rate

Median term

7 yr

Charge-off rate

7.3%

vs 7.6% all industries

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Most active in this industry

Lender	Loans	Approved
Wells Fargo Bank	33	$8.5M
Cross River Bank	1	$4.4M
U.S. Bank	20	$4.2M
Commonwealth Business Bank	1	$4.0M
Village Bank and Trust	2	$2.5M
Columbia Bank	18	$2.2M
Mo-Kan Development, Inc.	2	$2.2M
Glacier Bank	10	$2.1M
Bank of Hope	5	$1.7M
JPMorgan Chase Bank	23	$1.7M

Geography

Where these loans were made

State	Loans	Share
California	35
Texas	28
Washington	23
Ohio	22
Wisconsin	21
New York	17
Missouri	15
Florida	14

Approvals by fiscal year

’10

’11

’12

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’15

’16

’17

’18

’19

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’23

’24

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
38%
$50K - $150K
33%
$150K - $350K
15%
$350K - $1M
11%
$1M - $2M
2%
Over $2M
1%

Nearby

Other retail industries

See the sector

All Other Miscellaneous Store Retailers4,300 · $107,450 Sporting Goods Stores3,679 · $121,000 Gasoline Stations with Convenience Stores2,813 · $1,292,200 Electronic Shopping and Mail-Order Houses2,417 · $100,000 Clothing and Clothing Accessories Retailers2,378 · $135,000 Other Direct Selling Establishments2,300 · $150,000 Electronic Shopping2,110 · $50,000 All Other Miscellaneous Retailers1,536 · $150,000

Common questions

How much do SBA lenders typically lend to a sewing, needlework, and piece goods stores business?: The median SBA approval in NAICS 451130 is $68,400, with the middle 80% of loans between $10,000 and $460,000. Across all industries the median is $180,000.
Which lenders are most active in sewing, needlework, and piece goods stores?: By dollars approved: Wells Fargo Bank, Cross River Bank, U.S. Bank, Commonwealth Business Bank, Village Bank and Trust. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.
Is sewing, needlework, and piece goods stores considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.3% were charged off, versus 7.6% across all SBA lending. That is close to average.

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